Mutual Funds and UITs

Mutual Funds and UITs

Minimize the guesswork of investing

At LCNB Investment Services, we work to understand your objectives and comfort level when it comes to investing and managing your wealth. Mutual funds and UITs can play a key role in your investment strategy, but we always consider any investment tool within the context of your total financial picture.

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Why Mutual Funds and UITs?

Mutual funds and Unit Investment Trusts (UITs) are one of the most common and effective investment tools.

Mutual funds and UITs allow you to invest in a combination of stocks, bonds, and other securities. Essentially, these tools diversify your investments for you, across over a hundred securities, in a balanced manner. Various mutual funds have been created to cater to different financial goals, preferences, and risk tolerances.

Mutual Funds and UITs

  • Greatest potential for long-term returns
  • Comprehensive diversification
  • Access to specialized markets
  • Easy to access and track
  • Low trading costs
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Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.

Unit Investment Trusts (UITs) are a fixed portfolio of securities with a set term. Strategies are long term, therefore investors should consider their ability to pursue investing in successive trusts and the tax consequences.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. LCNB National Bank and LCNB Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using LCNB Investment Services, and may also be employees of LCNB National Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, LCNB National Bank or LCNB Investment Services. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by FDIC or Any Other Government Agency
  • Not Bank Guaranteed
  • Not Bank Deposits or Obligations
  • May Lose Value

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AZ, CA, CO, CT, FL, GA, IA, IN, IL, KS, KY, LA, MA, MD, MI, MO, MT, NC, NJ, NY, OH, OR, SC, TN, TX, VA & WV.

LCNB National Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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LPL Financial Form CRS